After the integration of NCMS and medical insurance, can you pay double 30?

Theoretically, only one social security is allowed, but there are indeed two payments. The national system is not perfect, and it is possible that you pay one in the countryside and then another in the city where you work, or the same ID number. No matter how many copies you pay, to the retirement age, the pension that can be paid to you on a monthly basis must be the location of your household registration, if your household registration is in area A, you have pension insurance in A and B, then city B will give you a lump sum of the pension funds in your personal account when you retire, and then you can receive it on a monthly basis when you go back to city A.

Keep in mind that the state does not allow one person to have two copies, but in some regions the system has not kept up.

NCMS also belongs to medical insurance, and is not integrated with other medical insurance, and the insured can only participate in one social medical insurance, and cannot participate in two at the same time, nor can they enjoy two medical insurance benefits.

The existence of duplicate insurance shows that the construction of China's medical insurance "infrastructure" needs to be improved. Although this phenomenon of duplicate insurance has little impact on the operation of medical insurance itself, after all, it shows that the medical insurance registration system is still not perfect, and the registration information between several different medical insurance has not been unified and docked, and the "fine management" has not yet been fully realized. From the perspective of building a national and unified social security management system in the future, we will realize the docking of informatization and accelerate the promotion of a unified medical insurance registration system, which will not only facilitate the service of the insured, but also save more medical insurance management costs.

It cannot be paid at the same time, and there is a conflict between NCMS and employee medical insurance, and the state stipulates that it is not allowed to participate repeatedly. I paid the social medical insurance, and the NCMS didn't pay it again. However, if it is in a rural area, there will be a situation where they are all paid at the same time, but in any case, they cannot be reimbursed at the same time.

The new type of rural cooperative medical care is the same as the type of employee medical insurance, and the social insurance requirements are not allowed to participate in and enjoy the treatment repeatedly.

Extended Materials. Difference Between Social Security and NCMS:

1. The difference in the amount of payment.

Social security needs to be paid every month, consisting of the individual payment part and the employer's payment part, and the minimum annual fee needs one or two thousand yuan, and the higher the salary, the more the amount will be paid. In 2018, the payment standard for NCMS was 220 yuan per person per year, which is much less than that of social security.

2. The difference between payment methods and payment standards.

Payment method: Social security is divided into two types, one is social security for urban residents, who bear all the costs; One is the social security of urban workers, and units and individuals each bear a part.

The cost of NCMS is generally borne by individuals, and the state will subsidize a part of it, but the standard of subsidy is different in areas with different economic developments.

Although the payment standard of NCMS is ** every year, it only needs to be paid once a year, while social security needs to be paid every month. According to this year's payment standard, the cost of NCMS is 220 yuan per person per year. Of course, the standard of payment will be different in different regions.

3. The difference in reimbursement ratio.

The medical insurance and NCMS in social security are both types of insurance that can be reimbursed when seeking medical treatment, including reimbursement of inpatient medical expenses, outpatient reimbursement, and so on. However, the reimbursement ratio is generally different in different regions.

For example, in township-level hospitals, the reimbursement ratio of NCMS is higher, and if you are hospitalized in a hospital above the municipal level, the reimbursement ratio of social security will be relatively high.

4. The difference in the scope of insurance.

In terms of insurance coverage, social security is mainly for employees who have formal jobs; The NCMS can only be handled by rural hukou. Moreover, NCMS can only be guaranteed for one year for each payment, and if you do not pay in the second year, you will no longer be able to enjoy the treatment of reimbursement.

No, NCMS and social security are paying, these two types of medical insurance can not be reimbursed at the same time, the medical insurance in the social security includes the new rural cooperative medical insurance, urban residents medical insurance and employee medical insurance, the first two types of insurance costs are low, the latter insurance costs are high, you belong to the repeated insurance, will not let you enjoy the two medical insurance benefits.

Medical insurance for urban and rural residents and medical insurance for employees cannot be duplicated. Duplicate reimbursement is not allowed. After the employment of urban and rural residents, the employer pays the employee medical insurance for the employee, and the duplicate insurance in this case is allowed.

However, even if you are sick and hospitalized, you can only choose one medical insurance for reimbursement.

At present, there is no full national networking, which can be paid at the same time, and reimbursement can also be double-reimbursed (only the unreimbursed part of the first party can continue to be reimbursed).

But no matter how many health insurance plans you have, it won't make you money, and the best case scenario is to cover all the money you have spent.

Can NCMS and social medical insurance be reimbursed at the same time? I don't think NCMS and social medical insurance can be paid at the same time. It cannot be reimbursed at the same time. The two of them can only make one friend.

You can only choose one of the two, and you won't report them at the same time.

If you can pay at the same time, you can first report to NCMS and then report to social medical insurance.

Many of our friends may have such doubts: medical insurance is already included in social insurance, but NCMS is also used to reimburse medical expenses. So which one should you choose? Today, let's analyze and analyze which of these two reports is more.

This can't be ha, the medical insurance already includes the New Rural Cooperative Medical System, choose one, two at the same time, meaningless.

No. New rural cooperative medical care and social security cannot be reimbursed at the same time, and only one of them can be reimbursed. If there is a person who participates in the employee medical insurance, it is recommended to cancel the rural cooperative medical insurance, which is paid once a year and does not produce a personal account balance, so there is no problem of transfer costs.

Urban medical insurance is a kind of five insurances, which are generally purchased by enterprises for in-service employees, and enterprises pay 20% of the payment base for employees, and employees pay 8%. The object of NCMS is the agricultural household registration personnel who have not participated in other social security medical insurance such as employee medical insurance, and they are participated by personal resources and raised funds by means of individual payment, collective support and funding.

1. The circumstances that do not fall within the scope of reimbursement of rural cooperative medical insurance are as follows:

1. Self-medical treatment, self-purchased drugs, drugs that cannot be reimbursed by publicly-funded medical regulations, and medical expenses that do not conform to family planning;

2. Other expenses such as outpatient fees, house call fees, hospitalization fees, food expenses, accompanying fees, nutrition fees, heating and cooling fees, ambulance fees, special care fees, etc.;

3. Medical expenses for car accidents, fights, suicides, alcoholism, industrial accidents and medical accidents;

4. Orthopedics, plastic surgery, dental prosthesis, prosthesis, organ transplantation, roll call surgery fees, consultation fees, etc.;

5. Within the scope of reimbursement, the part outside the limit.

2. The reimbursement ratio of rural cooperative medical insurance is as follows:

1. Outpatient and emergency medical expenses, and the cumulative medical expenses within the scope of basic medical insurance for in-service employees exceed 2,000 yuan;

2. Settlement ratio, 50% of the part of the dispatched personnel more than 2,000 yuan during the contract period, and 50% of the personal payment; The maximum amount of reimbursement for outpatient and emergency treatment of dispatched personnel in a year is 20,000 yuan;

3. The insured person should properly keep the outpatient medical documents for treatment in the designated hospital as a voucher for reimbursement of medical expenses.

In short, medical insurance and rural cooperative medical care cannot be reimbursed at the same time. For outpatient and emergency medical expenses, the cumulative medical expenses within the scope of basic medical insurance for in-service employees exceed 2,000 yuan or more; During the contract period, 50% of the part of the dispatched personnel over 2,000 yuan will be reimbursed, and 50% will be paid by the individual; The maximum amount of reimbursement for outpatient and emergency treatment of dispatched personnel in a year is 20,000 yuan; The insured person should properly keep the outpatient medical documents for treatment in the designated hospital as a voucher for reimbursement of medical expenses.

Legal basis

Social Insurance Law of the People's Republic of China

Article 23 Employees shall participate in the basic medical insurance for employees, and the employer and the employees shall jointly pay the basic medical insurance premiums in accordance with the provisions of the State.

Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons may participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state.

Article 24: The State is to establish and improve a new type of rural cooperative medical system.

The management measures for the new type of rural cooperative medical care shall be stipulated by ***.

No, there are three forms of social endowment insurance in China, namely the New Rural Cooperative Medical System, the endowment insurance for urban residents, and the endowment insurance for urban workers. The full name of NCMS is the New Rural Cooperative Medical Insurance, which is only one type of social insurance, and can only have one at the same time.

Social security and NCMS can be converted into each other, because the state stipulates that no one can participate in the two types of medical insurance repeatedly, so NCMS and urban residents' medical insurance and employee insurance cannot coexist at the same time. However, after purchasing social security and NCMS, you can participate in the protection and welfare of commercial insurance, which is different from the public welfare security of the state, and is a profit-making guarantee for commercial purposes.

Because the medical insurance in the social security has the personal account of the insured, there will be expenses on a regular basis, so when you see the outpatient clinic, you generally use the money in the account, and after using it up, it will be reimbursed if it exceeds 1500, while the NCMS can be reimbursed 20% to 40% in the outpatient clinic in the township hospital, but there is a limit. Moreover, one participation in one year, participation in the reimbursement enjoyed in the current year.

Therefore, we should pay more attention to the fact that whether it is medical insurance or NCMS, we can only choose one of them when reimbursing, and only the original invoice will be accepted when reimbursement, not a copy, so if you pay two insurances, you must waste one of them, so you have to choose according to your own situation.

Scope of non-reimbursement for new rural cooperative medical care:

1) Outpatient medical expenses of non-designated hospitals in the district (except for outpatient expenses for special diseases), expenses arising from failure to seek medical treatment in accordance with regulations, and self-purchase of drugs;

2) Expenses required for family planning measures and medical expenses in violation of family planning policies;

3) Dental prosthesis, orthodontics, optometry and glasses, hearing aids, artificial organs, cosmetology, cosmetic and orthopedic surgery, sexual medical treatment (such as qigong, massage, massage, physiotherapy, magnetic therapy, etc.), as well as various accompanying expenses, medical transportation expenses, home visit fees, other miscellaneous expenses during hospitalization, etc.;

4) Where there is third-party liability, the medical expenses arising from personal injury are to be borne by the third-party responsible party in accordance with law, such as traffic accidents, medical accidents, work-related injuries, and so forth;

5) Medical expenses incurred for injuries caused by illegal acts such as suicide, self-harm, drug use, drug use, and fighting, as well as intentional acts of their families;

6) Medical expenses incurred during the period of going abroad or in Hong Kong, Macao and Taiwan;

7) Drugs and items that are not reimbursed according to the provisions of the medical insurance system for urban employees;

8) Other expenses that are not to be reimbursed as determined by the District Hospital Management Committee.

Legal basis

Social Insurance Law of the People's Republic of China

Article 2: The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in accordance with law in the event of old age, illness, work-related injury, unemployment, childbirth, and so forth.

1. New Rural Social Endowment Insurance (referred to as New Rural Insurance):

It is to ensure the basic life of rural residents in old age for the purpose, the establishment of individual payment, collective subsidies, subsidies combined with the financing model, pension treatment by the social co-ordination and personal accounts, and family pension, land security, social assistance and other social security policies and measures matching, by the organization of the implementation of a social pension insurance system, is an important part of the national social insurance system.

Second: agricultural insurance and social security do not conflict. The object of agricultural insurance is rural household registration; Social security is an urban hukou, including workers who change their jobs to work in enterprises and rural hukou.

If social security is paid in urban enterprises, agricultural insurance can be suspended; After separating from the labor relationship of the enterprise, the social security paid by the enterprise can be transferred to the account of the agricultural insurance, and then the agricultural insurance can be continued.

Three; For inter-provincial and municipal transfers, the procedures need to be applied to the social security bureaus of the two places separately, and only the part of the personal account can be transferred, and the personal account and the overall account cannot be taken away together, so be mentally prepared.

You can have both, but you need to transfer and merge your accounts to enjoy it in the future, so it's not necessary.

If you want to improve the quality of pension balance, it is recommended that you buy a certain amount of commercial insurance as a supplement according to your actual economic situation on the basis of purchasing social security.

Medical insurance and NCMS can be reimbursed together, and the reimbursement process is as follows:

1. Prepare the discharge summary, invoice, and medication schedule issued by the hospital;

2. My ID card, medical insurance card, medical certificate issued by the unit (with the company's official seal), if it is not an enterprise insurance, it does not need a medical certificate issued by the unit;

3. Bring the above information to the local medical insurance bureau to handle it.

Medical insurance card application process:

1. Prepare application materials, original and copy of ID card, one inch **, resignation procedures, copy of household register, renewal medical insurance card, medical records;

2. Then go to the pension insurance institution where the household registration is located to receive the social insurance financial subsidy form, fill it out and hand it in, and submit all the information prepared;

3. The staff will conduct a review of the information provided, which can be completed on the same day and issue payment documents; According to the bank information on the payment slip, regular transfers are sufficient; Bring the first payment slip to the medical insurance hall to get the medical insurance card, some places will have medical records, the medical record is affixed with ** and has a steel seal, you can bring it when you see a doctor.

Legal basis: Article 29 of the Social Insurance Law of the People's Republic of China.

The part of the medical expenses of the insured persons that should be paid by the basic medical insurance** shall be directly settled by the social insurance agency and the medical institution and the drug business unit.

The administrative department of social insurance and the administrative department of health shall establish a system for the settlement of medical expenses for medical treatment in other places to facilitate the insured persons to enjoy basic medical insurance benefits.

Article 7. The social insurance administrative department is responsible for the social insurance administration of the whole country, and other relevant departments are responsible for the relevant social insurance work within the scope of their respective duties.

The local people's social insurance administrative departments at or above the county level are responsible for the management and management of social insurance in their respective administrative regions, and other relevant departments of the local people's society at or above the county level are responsible for the relevant social insurance work within the scope of their respective duties.